Yes! You may cover any phone which is yours and in your possession. You do not need to have your phone paid-in-full. Please note that for any claim on a leased/financed phone that requires replacement of the device, the remaining balance you owe for the device will have to be fully paid off before you can receive your remaining claim reimbursement.

“If your items are too extensively damaged (or were stolen) and you require a replacement device or item, the insurance provider offers a few flexible options to best suit your preference!
1) The insurance provider may send you instant cash (via PayPal or Venmo) or a one-day wire (US bank accounts only) for a refurbished replacement of your device.
2) If no replacement value can be found for your item, the insurance provider may send you the funds for the value of a newer model/available.
​As a general note, the insurance provider finds the replacement value of the item by looking at the cost of refurbished items of the same make/model/year. Check out Backmarket.com and Swappa.com to see the present value of your phone model or other devices.

Please visit the insurance provider’s website for additional information. “

“It is not a requirement to have receipts for the items you want to cover on your plan. While preferred, you can establish “proof of ownership” of your items through other means.

For example, the pictures the insurance provider has you take of your items when you add them to your account work great for providing this “proof of ownership”!

Especially, for claims of accidental damage, copies of your purchase receipts are typically not requested.

For theft claims, the insurance company prefers to have you show a copy of your stolen items’ purchase receipts. This is the quickest way for them to establish that you did in fact “own” the items you’ve claimed have been stolen.

However, if you no longer have copies of your receipts, your photos of the items uploaded to your account can usually suffice. As a best practice, keep track of your receipts! Have copies emailed to you when you purchase items, or take pictures of receipts and email them to yourself.

You can also try to contact the original seller/retailer you purchased items from as often they will have records going back a year or two of past transactions. You can try providing your name, phone number, email, or credit card number to try and track down a receipt for something you purchased.”

“The quickest way to pay your premium is through your insurance company’s website. You can find direct links to payment portals for major insurers on the insurance provider’s website.

Log in to your insurer’s customer portal to pay your bill and set up automatic payments, or make a one-time payment without needing an account. Most companies also accept payments over the phone or by mail.”

“The due date will vary depending on when you acquired your coverage and your insurance company. Typically, auto insurers allow you to pay your auto insurance premium in full or split your bill into installments or monthly payments. You can find the due date for your payment on your insurer’s customer portal.

Some insurance companies offer a grace period for missed payments. You may still have time to secure your policy if you’re a few days late on your due date. However, we recommend setting up automatic payments to avoid any interruption in coverage.”